1. Acceptance of terms

By accessing or using Mabe's website, mobile applications, or other services ("Services"), you agree to be bound by these Terms of Service. If you do not agree, do not use our Services. We may update these terms from time to time; continued use after changes constitutes acceptance.

2. Eligibility and account

You must be at least 18 years old and able to enter into a binding contract to use our Services. You are responsible for providing accurate information when you register and for keeping your passcode and transaction PIN secure. You must notify us promptly of any unauthorised use of your account.

3. Use of services

You may use our Services only for lawful purposes and in accordance with these terms. You agree not to use the platform for fraud, money laundering, or any illegal activity; not to circumvent security or access controls; and not to interfere with the proper operation of our systems or other users. We reserve the right to suspend or terminate accounts that violate these terms.

4. Wallet and transactions

Our wallet and bill payment features are subject to availability and applicable regulations. You are responsible for ensuring that transaction details (e.g. meter number, beneficiary) are correct before confirming. Refunds and reversals are handled in line with our policies and partner terms. Fees will be disclosed before you complete a transaction.

5. Intellectual property

Mabe and its licensors own all rights in the Services, including software, design, and branding. You may not copy, modify, or create derivative works without our written permission. You retain rights in content you submit; you grant us a licence to use it as needed to provide the Services.

6. Disclaimers

The Services are provided "as is" and "as available". We do not warrant that they will be uninterrupted or error-free. To the fullest extent permitted by law, we disclaim implied warranties. We are not liable for losses arising from your use of third-party services (e.g. telecom or utility providers) or from your failure to comply with these terms.

7. Limitation of liability

Our liability for any claim arising from or related to the Services is limited to the amount you paid us in the twelve (12) months before the claim, or to the extent permitted by law. We are not liable for indirect, incidental, or consequential damages. Some jurisdictions do not allow certain limitations; in such cases our liability is limited to the maximum permitted by law.

8. Indemnification

You agree to indemnify and hold harmless Mabe and its officers, directors, and agents from any claims, damages, or expenses (including legal fees) arising from your use of the Services, your violation of these terms, or your violation of any third-party rights.

9. Termination

We may suspend or terminate your access to the Services at any time for breach of these terms or for other reasons we consider necessary. You may close your account at any time through the app or by contacting us. Upon termination, your right to use the Services ceases; provisions that by their nature should survive (e.g. disclaimers, limitation of liability) will survive.

10. Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute shall be subject to the exclusive jurisdiction of the courts of Nigeria, unless otherwise required by applicable law.

11. Contact

For questions about these Terms of Service, please visit our Contact page.